10700 Three Oaks Ln, Champlin, MN 55316 Property Records

Hennepin County property record for 10700 Three Oaks Ln, Champlin, MN 55316

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.25 ba · 3,225 sqft · built 2015
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$519,900 (Apr 2017)
Tax Bill	$9,687 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-120-22-31-0045`

Property Details

APN / Parcel Number

Primary APN	`24-120-22-31-0045`

Interior

Bedrooms	4 Beds
Full Baths	3.25 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,225 sqft Living Area
Gross Area	4,065 sqft
1st Floor Area	1,781 sqft
2nd Floor Area	1,444 sqft
Basement Area	1,425 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Colonial
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Lot Depth	175 ft Depth
Garage Type	Attached
Garage Area	840 sqft
Porch	Open Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Space Heater

Location & Zoning

Street Address	10700 THREE OAKS LN
City	CHAMPLIN
State	MN
Zip	55316-2620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 001 BLOCK 001 T RESERVE AT ELM CREEK S74X175X73X175
Legal Range	22
Legal Township	120
Legal Section	24
Legal Quarter	31
Legal Subdivision	RESERVE AT ELM CREEK
Legal Block	1
Legal Lot Number	1
Jurisdiction	HENNEPIN MN
Township / Civil Division	CHAMPLIN
Census Block Group	2
Census Block	2007
Census Tract	26903

Owner

Source: Hennepin County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10700 THREE OAKS LN, CHAMPLIN, MN 55316-2620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 3, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NORTHPOINTE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2017 · Amount on Record
Deed Sale	Apr 3, 2017 · Amount on Record
Deed Document Number	20175433209
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	10700 THREE OAKS LN, CHAMPLIN, MN 55316-2620
Transaction Type	Mortgage
Record Updated	Jul 2, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T05843829
Date	Jun 7, 2021
Instrument	T05843829

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Mar 1, 2036

April 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Apr 3, 2017
Property Address	10700 THREE OAKS LN, CHAMPLIN, MN 55316-2620
Document Number	0005433209
Instrument Date	Mar 30, 2017
Instrument	5433209
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 10, 2017
Title Company	CUSTOM HOME BUILDERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,768.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10700 THREE OAKS LN CHAMPLIN MN 553162620, CHAMPLIN, MN 55316-2620

Mortgage

Document Number	5433210
Date	Apr 3, 2017
Instrument	5433210

Lender

Name	NORTHPOINTE BK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2047

Tax Assessment & Valuation

Source: Hennepin County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Hennepin County
Municipality	Champlin City
Unified School District	Anoka-Hennepin Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,687.00 (+21.82%)	$738,400 (+10.54%) Land $160,000 Building $578,400	$738,400 (+10.54%) Land $160,000 Building $578,400
2023	$7,952.00 Homeowner's exemption
2022		$668,000 Land $128,000 Building $540,000	$668,000 Land $128,000 Building $540,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Champlin serves 23,919 people · EPA ID MN1270006
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Gateway Fiber, Xtratyme Technologies.

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